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Hit & run and uninsured driver claims in Montana
The driver who hit you fled, has no insurance, or carries a policy nowhere near big enough for your injuries. Here’s what most people don’t know: you may still have a full claim — through coverage you already own. We find it, and we make your insurance company honor it.
Serious injuries. A driver who can't pay. Now what?
It happens in Montana every day: a serious crash caused by a driver with no insurance at all, or a driver carrying only the state-minimum policy — an amount a single night in the hospital can exceed. Or the driver simply doesn’t stop, and no one ever finds them.
Most people assume that’s the end of it. If the other driver can’t pay, there’s nothing to recover — right?
Wrong, in many cases. If you or your household carries uninsured motorist (UM) or underinsured motorist (UIM) coverage — and most Montana auto policies include it — you may have a substantial claim through your own insurance. It exists for exactly this situation.
And here’s the part that surprises people: your own insurance company has no obligation to point this out, and no incentive to pay it generously.
The coverage you've been paying for, explained
UM — Uninsured motorist coverage
Applies when the at-fault driver has no liability insurance at all — and, in most policies, when you’re the victim of a hit-and-run and the driver is never identified.
UIM — Underinsured motorist coverage
Applies when the at-fault driver has insurance, but not enough. Their policy pays its limit; your UIM coverage can pay the gap between that limit and what your case is actually worth, up to your own coverage limits.
These claims can also protect you as a passenger, a pedestrian, or a cyclist hit by an uninsured driver — coverage often follows the person, not just the vehicle, depending on the policy. And household policies can matter: coverage on other vehicles in your family may come into play.
One crash. Multiple coverages. Montana families often have more protection than they think.
Depending on the policy language and how premiums were charged, it may be possible to combine — stack — UM/UIM coverage across multiple vehicles or policies in the same household. Where it applies, a family with UM/UIM coverage on three vehicles may have access to far more total coverage than the single per-vehicle limit suggests.
Insurance companies do not volunteer this, and policy language is written to resist it. Evaluating whether stacking is available is one of the first things we do in every UM/UIM case — it is often the difference between a claim that covers the first surgery and a claim that covers the recovery.
The friendliest adversary you'll ever have
A UM/UIM claim puts you in a strange position: the company you’ve paid premiums to for years is now on the other side of the table. They’ll be polite. They’ll use words like valued customer. And they will evaluate your claim the way insurers evaluate every claim — by looking for reasons to pay less.
Montana law requires insurers to handle claims fairly, and policyholders have remedies when they don’t. We document every interaction, meet every policy condition and deadline, and when an insurer lowballs or stalls a legitimate claim, we know how to escalate.
What to do when the driver doesn't stop
Hit-and-run cases are won or lost on early evidence — both for finding the driver and for proving the phantom-vehicle claim to your own insurer.
01 Call the police immediately
A prompt police report is often required for hit-and-run UM claims, and it's your best chance of the driver being found.
02 Get medical care the same day
For your health first, and because gaps get used against you later.
03 Preserve everything
Photos of your vehicle (paint transfer can identify the other vehicle), the scene, your injuries; names and numbers of any witnesses.
04 Think cameras
Nearby businesses, doorbells, traffic cams. Footage overwrites in days. We send preservation requests immediately.
05 Notify your insurer promptly — but carefully
UM claims have notice requirements, and what you say in that first call matters. Talk to us first if you can; it costs nothing.
What we do that policyholders can't do alone
Coverage investigation
Every policy in the household, every stacking angle, every layer — including MedPay and umbrella coverage.
Deadline and condition compliance
UM/UIM claims come with policy conditions — notice, consent-to-settle requirements before accepting the at-fault driver's limits, arbitration clauses. Missing one can forfeit the claim.
Full damages documentation
The same medical, wage, and future-care record we build in every serious case, because your own insurer demands the same proof a defendant would.
Negotiation and escalation
Demand, negotiation, and when the insurer won't be fair: arbitration or suit, plus bad-faith remedies where the law provides them.
Uninsured driver questions, answered straight
You may still recover through your own policy’s uninsured motorist (UM) coverage, which most Montana auto policies include. Your claim proceeds much like a claim against the other driver — but it’s paid by your own insurer, which is exactly why you should treat it as seriously as any other injury claim.
Fear of a rate increase should never stop you from pursuing coverage you paid for. There are limits on how insurers may treat claims arising from crashes that were not your fault, and we’ll give you a straight answer about your specific policy and situation before you decide anything.
Very possibly. Most UM coverage applies to hit-and-run crashes even when the driver is never identified, provided the crash was reported promptly and the policy’s conditions are met. This is one of the most commonly abandoned valid claims in Montana — don’t assume you have nothing.
Not before checking your UIM coverage — and not before understanding your policy’s consent-to-settle requirements. Accepting the at-fault driver’s limits the wrong way can jeopardize your underinsured motorist claim. This is a five-minute question for a lawyer that can be worth the entire recovery.
As much as you can reasonably afford — it’s typically inexpensive relative to liability coverage, and it’s the coverage that protects your family rather than the other driver. Given how many Montana drivers carry no insurance or minimum limits, UM/UIM is arguably the most important coverage on your policy.
Two clocks can run at once: the legal limitations period and your policy’s own notice and filing conditions, which can be shorter. The safe answer is to get the deadlines confirmed for your specific policy now — that’s part of the Free Crash Response Plan.
Don't walk away from coverage you already paid for.
One free call. We’ll tell you what coverage exists, what your claim looks like, and what deadlines apply — whether or not you hire us.
Related: Car accidents · Truck accidents · Drunk driving crashes · The Crash Response Plan